Financial Statements — FMNB
Balance Sheet
(in billions USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Net Loans & Leases | 4.75 | 3.30 | 3.26 | 3.22 | 3.24 | 3.20 | 1.94 | 1.92 | 1.90 | 1.89 | 1.56 | 1.56 | 1.52 | 1.22 | 1.27 | 1.33 |
| Total Assets | 7.18 | 5.24 | 5.18 | 5.16 | 5.24 | 5.16 | 5.08 | 4.97 | 5.07 | 5.11 | 4.12 | 4.11 | 4.21 | 3.32 | 3.26 | 3.32 |
| Total Deposits | 5.92 | 4.40 | 4.40 | 4.48 | 4.36 | 4.21 | 4.20 | 4.51 | 4.27 | 4.40 | 3.57 | 3.63 | 3.69 | 2.87 | 2.78 | 2.83 |
| Long-term Debt | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.05 | 0.07 | 0.07 |
| Total Liabilities | 6.41 | 4.77 | 4.74 | 4.73 | 4.80 | 4.76 | 4.68 | 4.66 | 4.71 | 4.74 | 3.85 | 3.79 | 3.81 | 2.94 | 2.89 | 2.98 |
| Retained Earnings | 0.30 | 0.28 | 0.27 | 0.26 | 0.25 | 0.25 | 0.24 | 0.23 | 0.22 | 0.21 | 0.20 | 0.19 | 0.18 | 0.17 | 0.16 | 0.15 |
| Total Stockholder Equity | 0.77 | 0.47 | 0.44 | 0.43 | 0.44 | 0.40 | 0.40 | 0.32 | 0.37 | 0.37 | 0.27 | 0.32 | 0.39 | 0.38 | 0.37 | 0.35 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Interest & Dividend Income | 67.12 | 59.42 | 59.37 | 57.70 | 57.31 | 57.91 | 57.92 | 56.85 | 55.05 | 55.07 | 54.23 | 52.80 | 51.23 | 38.11 | 36.41 | 34.29 | 33.28 | 31.69 | 28.38 | 28.61 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | 24.78 | 23.37 | 22.24 | 20.46 | 18.23 | 14.62 | 8.68 | 4.63 | 2.58 | 2.04 | 1.99 | 1.84 | 2.12 |
| Net Interest Income | 42.57 | 37.02 | 36.31 | 34.92 | 34.20 | 32.74 | 31.88 | 32.07 | 31.69 | 32.83 | 33.77 | 34.58 | 36.61 | 29.43 | 31.78 | 31.71 | 31.24 | 29.70 | 26.53 | 26.49 |
| Provision for Credit Losses | (1.01) | 2.18 | 1.50 | 3.59 | 0.02 | 0.31 | 7.01 | 1.11 | (0.45) | 0.29 | 0.24 | 0.03 | 8.60 | 0.42 | 0.45 | 0.62 | (0.93) | -- | (0.95) | 0.05 |
| Non-interest Income | 13.69 | 12.10 | 11.43 | 12.12 | 10.48 | 11.41 | 12.34 | 9.61 | 8.36 | 12.16 | 9.83 | 9.45 | 10.43 | 8.20 | 8.83 | 9.48 | 17.70 | 8.72 | 9.02 | 9.87 |
| Non-interest Expense | 37.32 | 29.08 | 31.68 | 27.18 | 28.53 | 26.17 | 27.08 | 26.40 | 27.04 | 26.97 | 27.72 | 26.39 | 30.72 | 21.10 | 21.40 | 21.46 | 30.46 | 26.85 | 17.13 | 17.43 |
| Pretax Income | 19.97 | 17.73 | 14.64 | 16.32 | 16.35 | 17.68 | 10.13 | 14.16 | 13.45 | 17.73 | 15.64 | 17.62 | 7.71 | 16.12 | 18.76 | 19.11 | 18.84 | 6.21 | 19.37 | 18.88 |
| Tax Provision | 3.71 | 3.10 | 2.18 | 2.41 | 2.78 | 3.29 | 1.60 | 2.37 | 2.21 | 3.15 | 2.33 | 2.65 | 0.64 | 2.77 | 3.32 | 3.16 | 3.00 | 0.51 | 3.36 | 3.30 |
| Net Income | 16.26 | 14.64 | 12.46 | 13.91 | 13.58 | 14.39 | 8.54 | 11.78 | 11.24 | 14.58 | 13.31 | 14.97 | 7.08 | 13.36 | 15.45 | 15.95 | 15.84 | 5.70 | 16.01 | 15.58 |
| Basic EPS | 0.36 | 0.40 | 0.33 | 0.37 | 0.36 | 0.38 | 0.23 | 0.32 | 0.30 | 0.39 | 0.36 | 0.40 | 0.19 | 0.39 | 0.46 | 0.47 | 0.47 | 0.14 | 0.57 | 0.55 |
| Diluted EPS | 0.36 | 0.39 | 0.33 | 0.37 | 0.36 | 0.38 | 0.23 | 0.31 | 0.30 | 0.38 | 0.36 | 0.40 | 0.19 | 0.39 | 0.46 | 0.47 | 0.47 | 0.15 | 0.56 | 0.55 |
Cash Flow Statement
(in millions USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Operating Cash Flow | 7.57 | 19.64 | 10.71 | 14.02 | 15.67 | 13.24 | 23.73 | 16.48 | 13.16 | 13.86 | 19.58 | 15.18 | 13.70 | 21.56 | 21.89 | 27.03 | 13.20 | 14.98 | 16.51 | 16.41 |
| Capital Expenditures | 0.51 | 1.09 | 1.68 | 1.59 | 3.50 | -- | -- | -- | -- | -- | -- | -- | 0.00 | 0.75 | 2.89 | 1.53 | 0.35 | 0.92 | 0.34 | (0.10) |
| Free Cash Flow* | 7.07 | 18.55 | 9.03 | 12.42 | 12.17 | -- | -- | -- | -- | -- | -- | -- | 13.70 | 20.81 | 19.01 | 25.51 | 12.85 | 14.06 | 16.17 | 16.51 |
| Investing Cash Flow | 85.37 | (1.46) | (38.65) | (46.16) | 7.42 | (34.35) | (41.70) | (46.48) | 27.41 | (18.52) | 23.71 | 8.63 | 64.12 | 45.15 | (48.56) | (75.51) | (129.52) | 7.74 | (141.71) | (134.71) |
| Financing Cash Flow | 0.78 | (18.17) | 29.54 | 9.63 | 4.43 | (82.29) | 26.12 | 62.36 | 4.40 | 14.40 | (65.43) | (35.74) | (25.37) | (71.14) | 41.20 | (23.69) | 141.16 | 10.27 | 55.65 | (58.73) |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2011 | Q3
2011 | Q2
2011 |
|---|
| Dividends Per Share | 0.17 | 0.17 | 0.17 | 0.17 | 0.17 | 0.03 | 0.03 | 0.03 |
